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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Baldwin City, KS · FDIC certificate #17374
MID-AMERICA BANK is an FDIC-insured institution based in Baldwin City, KS (FDIC certificate #17374). In its Q3 2026 Call Report it reported total assets of $603M, total deposits of $464M and net loans of $479M. Its primary federal regulator is FDIC.
Plain-language readout
MID-AMERICA BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $603M in Q3 2026 and were lowest at $567M in Q1 2026.
Total deposits were highest at $464M in Q3 2026 and lowest at $435M in Q1 2026.
Over the whole period total assets rose 6.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $603M | $464M | $479M | 1.57% | 16.01% | 3.67% |
| Q2 2026 | $573M | $456M | $454M | 1.72% | 17.30% | 3.65% |
| Q1 2026 | $567M | $435M | $439M | 1.61% | 16.38% | 3.57% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.2M | $6.6M | +$2.6M | +39.7% |
| Federal funds sold | $16.5M | $30.6M | -$14.1M | -46.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $54.9M | $53.4M | +$1.4M | +2.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $453.6M | $438.5M | +$15.0M | +3.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.0M | $11.1M | -$124K | -1.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $6.6M | $5.8M | +$818K | +14.2% |
| All other assets | $21.6M | $20.8M | +$730K | +3.5% |
| Total assets | $573.3M | $566.8M | +$6.4M | +1.1% |
| Liabilities | ||||
| Total deposits | $456.4M | $435.3M | +$21.2M | +4.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $53.2M | $70.6M | -$17.4M | -24.6% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.6M | $5.5M | +$110K | +2.0% |
| Total liabilities | $515.2M | $511.3M | +$3.9M | +0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $9.0M | $9.0M | $0K | 0.0% |
| Retained earnings | $48.8M | $46.2M | +$2.6M | +5.6% |
| Accumulated other comprehensive income | $247K | $286K | -$39K | -13.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $58.0M | $55.5M | +$2.6M | +4.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $592K | $587K | +$5K | +0.9% |
| Adjusted nonperforming assets | $592K | $587K | +$5K | +0.9% |
| Tangible equity plus allowance | $55.8M | $54.1M | +$1.8M | +3.3% |
| Texas ratio (gross) | 1.06% | 1.09% | -0.03 pts | See points |
| Texas ratio (adjusted) | 1.06% | 1.09% | -0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.06% | 1.09% | -0.03 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.23% | 12.22% | +0.01 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.23% | 12.22% | +0.01 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.04% | 1.06% | -0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.27% | 13.29% | -0.01 pts | See points |
| Tier 1 leverage (approximate) | 10.18% | 9.68% | +0.50 pts | See points |
| Construction and land loans to total capital | 130.98% | 138.22% | -7.24 pts | See points |
| Commercial real estate to total capital | 205.09% | 216.91% | -11.81 pts | See points |
| Dividend payout, year to date | 5.58% | 12.03% | -6.45 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.57% | 0.69% | -0.12 pts | See points |
| Liquidity | ||||
| Core deposits | $385.0M | $376.4M | +$8.6M | +2.3% |
| Non-core funding | $124.6M | $129.4M | -$4.8M | -3.7% |
| Loans to core deposits | 118.96% | 117.67% | +1.29 pts | See points |
| Loans to deposits | 100.34% | 101.75% | -1.41 pts | See points |
| Brokered deposits share of deposits | 3.93% | 2.36% | +1.56 pts | See points |
| Pledged securities share of securities | 3.29% | 3.37% | -0.08 pts | See points |
| Loans pledged, share of loans | 100.00% | 100.00% | 0.00 pts | See points |
| Volatile liabilities | $124.6M | $129.4M | -$4.8M | -3.7% |
| Earnings | ||||
| Earnings before provision, year to date | $6.1M | $2.7M | +$3.4M | +123.4% |
| Earnings before provision, single quarter | $3.4M | $2.7M | +$640K | +23.4% |
| Provision for credit losses, year to date | $155K | $30K | +$125K | +416.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.97% | 6.82% | +0.14 pts | See points |
| Yield on interest-bearing balances due from banks | 2.25% | 2.16% | +0.09 pts | See points |
| Total interest income to average assets | 6.25% | 6.04% | +0.21 pts | See points |
| Cost of interest-bearing transaction accounts | 0.42% | 0.47% | -0.04 pts | See points |
| Cost of savings and money market deposits | 3.04% | 3.01% | +0.03 pts | See points |
| Cost of time deposits | 4.04% | 4.06% | -0.01 pts | See points |
| Total interest expense to average assets | 2.76% | 2.79% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $603M | $464M | $479M | 1.57% | 16.01% | 3.67% |
| 2026-06-30 | $573M | $456M | $454M | 1.72% | 17.30% | 3.65% |
| 2026-03-31 | $567M | $435M | $439M | 1.61% | 16.38% | 3.57% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $390.7M | 0.38% | 59 | Continuing · +0.10 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.